Brim Financial Referral Code: How to Get $10 in Points

If you are looking for a Canadian credit card with instant point redemption, low foreign transaction fees, a straightforward welcome bonus, and no annual fee on the base card, Brim Financial is worth a look. As a Toronto-based fintech company offering Mastercard credit cards across multiple tiers, Brim has built a rewards platform that lets you earn and redeem points instantly at hundreds of partner retailers. New cardholders who apply through a referral code receive $10 in Brim points simply for activating their card — no minimum spend required.

Here is everything you need to know about claiming your Brim Financial referral bonus.

Brim Financial Referral Code

Use referral code 19538 when applying — claim the Brim Financial bonus.

How the Brim Referral Program Works

The Brim referral bonus is one of the simplest to earn of any Canadian credit card:

• Apply for a new Brim Mastercard using referral code 19538 or through the referral link
• Complete the application and receive account approval
• Activate your Brim Mastercard once it arrives
• Receive $10 in Brim points credited to your account upon activation

There is no minimum spend requirement. The $10 in points is credited the moment you activate your card. Each Brim point is worth $0.01 CAD, so 1,000 points equals $10 — redeemable instantly at checkout at partner retailers or as a statement credit.

Where to Enter the Brim Referral Code

The referral code 19538 is entered during the online application process. Here is how:

1. Go to brimfinancial.com or click the referral link
2. Select the Brim Mastercard tier you want to apply for
3. Begin the online application
4. When prompted, enter referral code 19538 in the referral code field
5. Complete the application and wait for approval
6. Activate your card once it arrives to unlock the $10 bonus

Important: The referral code must be entered during the application process. It cannot be applied to an existing Brim account retroactively.

What Do You Get With Brim Financial?

Brim is built around a few features that set it apart from most Canadian credit cards.

Low foreign transaction fees — most Canadian credit cards charge a 2.5% foreign transaction fee on purchases made in a foreign currency. Brim offers lower foreign transaction fees than most traditional Canadian cards, making it a more cost-effective option for Canadians who travel or shop at international retailers online.

Instant point redemption at checkout — Brim points can be redeemed in real time at the checkout of hundreds of partner retailers. Rather than waiting for a statement credit or a points transfer, you see your points balance and can apply them instantly when you pay. This makes the rewards feel immediate and usable rather than something you accumulate and forget about.

Points never expire — as long as your Brim account remains active, your points balance carries forward indefinitely. No worrying about annual expiry dates or redemption windows.

Apple Pay and Google Pay — Brim cards are fully compatible with both mobile payment platforms, so you can tap to pay anywhere contactless payments are accepted.

Built-in travel insurance and purchase protection — Brim Mastercard includes travel insurance and purchase protection benefits, the specifics of which vary by card tier.

Brim Card Tiers

Brim offers three Mastercard tiers, each with a different earn rate and annual fee structure:

Brim Mastercard — the base tier with no annual fee. Earn Brim points on every purchase at partner retailers and a baseline rate on all other spending. This is the card most new applicants start with and the tier eligible for the referral bonus.

Brim World Mastercard — a mid-tier card with an annual fee that offers a higher earn rate per dollar spent and additional travel benefits including lounge access credits and enhanced insurance.

Brim World Elite Mastercard — the premium tier with the highest earn rate, the most comprehensive travel insurance, and the broadest set of Mastercard Infinite Privilege benefits. Requires a minimum personal income to qualify.

For most Canadians applying through the referral program, the no-annual-fee base Mastercard is the natural starting point.

Is Brim Financial Safe?

Yes. Brim Financial is a Canadian fintech company headquartered in Toronto and licensed to issue Mastercard credit cards in Canada. The Brim Mastercard operates on the Mastercard network, which means it is accepted worldwide and benefits from Mastercard's standard fraud protection and zero-liability policy.

Brim is not a bank, but its credit cards are issued and backed through regulated Canadian financial infrastructure. The company has been operating since 2018 and has an established track record in the Canadian market.

How Does Brim Compare to Other No-Fee Canadian Cards?

Brim is a solid no-annual-fee card with an instant rewards redemption model and lower-than-average foreign transaction fees, but here are a few alternatives depending on your needs:

• KOHO — $40 cash bonus just for making your first purchase over $20. Great for everyday spending and budgeting. Use code KOHOBONUS40 — KOHO bonus
• Neo Financial — up to $35 bonus with a no-fee Mastercard and up to 5% cashback at partner retailers. Use code E6B8C9Y7 — Neo Financial bonus
• Wealthsimple — $25 bonus with a $100 deposit, plus a Visa Infinite credit card with 2% flat cash back. Use code US0EBW — Wealthsimple bonus

Verdict

The Brim Financial referral bonus is one of the easiest credit card welcome bonuses in Canada — activate your card and the $10 in points is yours, no spending required. The instant redemption model, points that never expire, and lower-than-average foreign transaction fees make Brim a genuinely useful card for Canadians who want straightforward rewards without complexity.

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🎁 Claim Your Bonus

Use referral code 19538 to claim your Brim Financial bonus.